We answer the phone. No wait time.

Lower insurance rates.
Real people.

We shop 10+ insurance carriers to find you the lowest rate on homeowners and auto insurance in California. Local agent. No call centers. No runarounds.

30+
Years Experience
10+
Carriers Shopped
0 min
Hold Time
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Lower Rates

We compare rates from 10+ carriers on every quote. If we can't beat your current price, we'll tell you.

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No Wait Time

Call us and a real person picks up. No phone trees. No "your call is important to us" recordings.

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Local Agent

Based in Colton, CA, serving all of Southern California. Walk in, call, or text. We're here.

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Fire Zone Experts

Non-renewal? High-risk area? We specialize in finding coverage for California's toughest properties.

What We Cover

One agency. Every policy you need.

We handle all your insurance under one roof so you don't have to juggle multiple agents.

Most Popular
Homeowners

Home Insurance

Standard, high-value, fire zone, Fair Plan + DIC. We find the right carrier for your home no matter the situation.

Best for: CA fire zones, non-renewals, rate shopping
Most Popular
Auto

Auto Insurance

Competitive rates with the right coverage. Bundle with home to save even more.

Best for: Bundle discounts, multi-car families
Business

Commercial Insurance

General liability, commercial auto, workers' comp, and business owner policies for California businesses.

Best for: Small business owners, contractors
Protection

Life Insurance

Term and whole life options. Protect your family's financial future at rates you can afford.

Best for: Young families, mortgage protection
Liability

Umbrella Policies

Extra liability coverage beyond your home and auto limits. Essential for families with assets to protect.

Best for: Homeowners with significant assets
Renters

Renters & Condo

Affordable protection for your belongings and personal liability, whether you rent or own a condo.

Best for: First-time renters, condo owners
California Specialist

Insurance in California is complicated. We make it simple.

Carriers leaving the state. Non-renewals. Wildfire zones. The California insurance market is one of the hardest in the country. That's exactly why you need a local agent who knows how to navigate it.

  • Non-renewal and cancellation solutions
  • California Fair Plan + DIC policy combinations
  • Wildfire and high-risk property coverage
  • Admitted and non-admitted carrier access
  • Rate shopping across multiple markets
Talk to a California Expert →
10+
Carriers
30+
Years
1000s
Families
All CA
Coverage Area
How It Works

Three steps. Better insurance.

Getting a better rate takes less time than you think.

1

Call or request a quote

Give us a call at (909) 748-0930 or fill out the form. Takes about 5 minutes.

2

We shop 10+ carriers

We run your info through every carrier we work with to find the best combination of price and coverage.

3

You pick and save

We walk you through your options, answer every question, and get you covered. No pressure.

Common Questions

Frequently Asked Questions

Get answers to the most common insurance questions in California.

Can I get homeowners insurance in a California fire zone?
Yes. Perez Insurance Agency specializes in finding homeowners insurance for properties in California fire zones. We work with admitted and non-admitted carriers, including the California Fair Plan paired with Difference in Conditions (DIC) policies, to provide complete coverage for homes in high-risk wildfire areas. We shop 10+ carriers to find the best combination of coverage and price for fire zone properties. Call us at (909) 748-0930 for a free fire zone insurance quote.
What should I do if my homeowners insurance was non-renewed?
Don't panic. Contact an independent insurance agent immediately. We have over 30 years of experience helping California homeowners who have been non-renewed. We have access to 10+ carriers, including surplus line carriers and the California Fair Plan, that provide coverage for properties that standard carriers have dropped. The key is to act quickly before your current coverage expires.
What is a DIC policy and do I need one with the California Fair Plan?
A DIC (Difference in Conditions) policy fills the coverage gaps left by the California Fair Plan. The Fair Plan only covers fire and a few other perils. A DIC policy adds coverage for theft, liability, water damage, and other risks not included in the Fair Plan. If you have a Fair Plan policy, a DIC is strongly recommended to ensure complete protection.
How much can I save by switching homeowners insurance?
Savings vary by property, but many California homeowners find significantly lower rates when an independent agent shops multiple carriers on their behalf. We compare rates from 10+ insurance carriers on every quote. This multi-carrier approach often results in meaningful savings compared to staying with a single carrier.
Do you offer auto insurance and bundle discounts?
Yes. We offer competitive auto insurance rates across multiple carriers. We also offer home and auto bundle discounts, which can significantly reduce your total insurance costs. As an independent agency, we compare rates to find you the best price for your specific situation.
Do you speak Spanish?
Yes. Perez Insurance Agency is a bilingual agency. We are happy to help clients in both English and Spanish. Call us at (909) 748-0930 and we can assist you in your preferred language.

Stop overpaying for insurance.

Find out in minutes if we can save you money.

📞 (909) 748-0930
Mon-Fri 9AM-5PM | Sat by appointment | Se habla Espanol
Or Request a Quote Online →

Get in touch

Call us directly or fill out the form. We respond within 24 hours.

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Office1085 S. Mt. Vernon Avenue, Colton, CA 92324
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HoursMon-Fri 9AM-5PM | Sat by appointment
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LanguagesEnglish & Spanish
Farmers Insurance Partner

Proud partner of Farmers Insurance, plus access to 10+ additional carriers for the best rates.

Request a Free Quote

No spam, no pressure. Just options.